For institutional investors, a bank’s ability to keep operating costs under control while growing revenue remains a key indicator of long-term franchise strength. FCMB Group Plc’s latest audited financial statements show notable progress on this front, with its cost-to-income ratio (CIR) improving to 53.75 percent in 2025 from 59.90 percent in 2024. The improvement reflects stronger operating leverage despite persistent inflationary pressures on business costs.
Analysts said the decline in the cost-to-income ratio indicates that the group’s revenue expanded at a much faster pace than its operating expenses, marking an important step toward the widely watched 50 percent CIR benchmark. They noted that institutional investors typically view this level of efficiency as a hallmark of a resilient and sustainably profitable banking franchise.
According to Proshare, the efficiency gain is particularly impressive given the significant increase in operating costs during the year. Total operating expenses rose by 43.41 percent
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